Clarity
We review your full file — income, assets, credit. No surface estimate, no guesswork.
Self-Employed · Central Florida
Buy the house your tax return says you can't.
Bank statements only. No tax returns. No W-2s. We compare 40+ Non-QM lenders side-by-side and send your real options inside 24 hours — APR, payment, cash to close.
- 12 / 24-month bank statements accepted - as low as 10% down
- 1099-only & P&L-only programs - no DTI cap on some files
- DSCR for investment property - no income docs needed
- 40+ lender side-by-side comparison - emailed same week
No credit pull$0 application feeNMLS# 2718409
NMLS# 2718409
Equal Housing Opportunity
Licensed in Florida
40+ wholesale lenders
Same-week pre-approval
40+
Wholesale lenders
24hr
First comparison
$0
Application fee
25yrs
Founder experience
What you actually get
One review, seven deliverables. Nothing held back.
Other brokers tell you about “great rates.” We send you the receipts. Here's every line item that goes into your file — and what it would cost if you tried to assemble it yourself.
Multi-lender comparison sheet (40+ wholesale)
$2,500
$0
Full file underwriting review (income, assets, credit)
$1,200
$0
Custom rate-buy-down vs. cash-to-close optimizer
$800
$0
Bank-statement / 1099 / P&L program matchmaking
$950
$0
Direct lender escalation if your file is non-standard
$600
$0
Plain-English process map — every step you'll take
$300
$0
Founder-led team review, not a call center
Priceless
$0
Your cost - today and ever
$0 application fee
Lender pays our compensation at closing. You pay $0 to Lend Labs at any step. Disclosed in writing.
Dr. Rate lab note
First we check the math. Then the team checks the file.
The calculator can get you close. The full file tells us which lender actually prices the loan best.
How it works
A loan, engineered — not pitched.
Proof
We compare 40+ lender programs side by side. APR, payment, cash to close on every option.
Structure
We lock the right loan, file your docs, and walk you to the closing table — step by step.
The Lend Labs Promise
Four things we will always do.
We read your full file
Income, assets, credit. Real numbers, not a 30-second estimate.
We compare on paper
APR, P&I, cash to close from 40+ lenders. You see all of it.
Founder-led team review
Not a call center script. Lend Labs reviews the file against standards Will built over 25 years.
Honest no
If we cannot beat your current quote, we tell you that day.
The Founder
Twenty-five years. A team standard.
Will Perez has structured loans across every Central Florida market — refis, jumbos, FHA, VA, and the self-employed files no big bank knows what to do with. Lend Labs turns that experience into a file-first review standard the team can carry forward.
Will Perez
Founder-led standards
Common questions
The questions most people ask.
I'm self-employed. Can I get a mortgage without showing tax returns?
Yes. We have programs that qualify off 12 or 24 months of personal or business bank statements, 1099s only, or P&L statements. Your tax write-offs don't hurt your approval.
How fast is pre-approval?
Most files get a real lender comparison inside 24 hours. Same-week pre-approval letter once we've reviewed your documents.
What does Lend Labs charge?
$0 to you, ever. We're paid by the lender at closing, fully disclosed in writing on every file. No application fees, no junk fees.
Where do you lend?
Throughout Florida. We're based in Kissimmee and serve Orlando, Lake Nona, Winter Garden, Lakeland, Tampa, and the broader Central Florida region.
Will applying hurt my credit?
No. The first review is a soft inquiry. We only run a full credit pull once you've seen your options and chosen to proceed.
Do you do investment property loans?
Yes. DSCR loans for 1–4 unit investment properties qualify off the property's rent — not your personal income.
Next step
See your real options this week.
Send your scenario. We come back with a real lender comparison inside 24 hours.
No credit pull · No application fee · Equal Housing Opportunity
Dr. Rate says: send the scenario. We will bring back the real comparison.